Hess Insurance Solutions

Hess Insurance Solutions Bridging holistic health, self-pay strategies, and smart insurance. Group plans for small businesses/entrepreneurs( 1-10+ people).

Hi, I’m Kimberly Hess — founder of Hess Insurance Solutions and a licensed health and life insurance broker serving individuals, families, and small business owners across the country. I specialize in affordable, private alternatives to the Marketplace that offer better benefits, more flexibility, and often significantly lower premiums. My background is rooted in wellness and proactive care, and I

believe your health plan should reflect the same mindset: preventative, protective, and personalized. Whether you're a self-employed professional, growing a business, or just trying to figure out how to keep your family covered without breaking the bank, I’m here to guide you every step of the way. I partner with leading carriers including First Health Network, Aetna, United, and PALIC to offer customized plans with options like $0 outpatient deductibles, critical illness protection, accident coverage, and even 24/7 Teledoc access. With year-round enrollment and no need to wait for open enrollment, I help clients get the coverage they need exactly when they need it. Beyond plans and premiums, I’m passionate about education and connection. I host women’s networking events, webinars, and one-on-one consultations to empower people to understand their options and make confident decisions. This isn’t just about policies—it’s about peace of mind. When I’m not building health coverage strategies, I’m either lifting weights, walking my daughter into another adventure, or sipping coffee at a local café while dreaming up my next community collaboration. My goal is to help you protect what matters most—with clarity, compassion, and maybe a little humor along the way. Let’s simplify your insurance, together.

04/20/2026

Did you underestimate your income on your tax return and now owe money back to the IRS because of your health insurance subsidy?

You are not alone. This catches a lot of self employed people, business owners, and entrepreneurs off guard.

For some people, private health insurance options can make more sense because they do not rely on Marketplace subsidy estimates the same way ACA plans do.

That does not mean one option is right for everyone. It depends on your income, health needs, and how you use coverage.

The good news is you do have options, and it helps to look at them before this becomes a surprise again.

Let’s talk through it and make sure you understand what may fit best.

04/06/2026

• most plans are designed to treat problems after they happen
• not prevent them in the first place
• you don’t think about your coverage until you actually need it
• and by then it’s confusing and expensive
• the system focuses on prescriptions, not lifestyle
• strength, mobility, sleep, and nutrition are rarely prioritized
• chronic stress shows up in the body long before diagnosis
• self-pay combined with a catastrophic plan is often more affordable—and a smarter option nobody talks about during open #
• did you know you can actually enroll in healthcare year-round? well, you do now
• as a health coach and broker, I bridge the gap between your health and your healthcare.

We all want to be healthy, wealthy, and thriving
I’m here for it!

Book a discovery call with me! Link in comments or comment HEALTH for more info.

04/04/2026

Small Business Saturday is honestly my favorite day of the week. And not just because I love supporting small businesses. It is because my entire world is a small business and holistic health.
Step Into Connection, my established and growing Facebook community, was built for exactly this. Holistic practitioners, small business owners, entrepreneurs, and everyday people in Raleigh and the surrounding area who would rather connect over a walk than a cocktail. People who are investing in their health, growing their business, and looking for a community that matches that energy. If you are not in it yet, come join us. Exciting things are coming.
This is also why days like today feel so effortless for me. I am not a salesperson. I never have been. But I am deeply passionate about connecting people to things that actually help them. As a licensed health and life insurance broker I specialize in pairing small business owners and their employees with modern health insurance options that actually make sense for the way they live and take care of themselves.
Which brings me to this guy. Daniel Corbin, DNP, nurse practitioner with over 15 years of experience and the founder of Staywell Health, a membership-based primary care practice right inside Health House NC. No copays. No surprise bills. Same or next day appointments. A provider who actually listens. This is primary care that finally feels like care.
It is nice to find like-minded people at Health House who are bridging the gap between holistic wellness and modern healthcare. I am doing health coaching there and the energy of this community is something special. Your health deserves both sides of that conversation.
Check out Staywell Health at staywellforlife.com and come find your people in Step Into Connection.

Ask a question or comment HEALTH and I will reach out to you personally.

04/03/2026

Did you know that if you are paying out of pocket at the doctor, you should always ask for the self pay price?

A lot of times, the self pay rate can actually cost less than running everything through insurance.

That surprises a lot of people.

Now, if you have a Marketplace plan, some offices may require you to use your insurance instead of letting you self pay. It may not feel fair, but that is often how their billing process works.

For healthier, lower risk individuals, defined benefit style plans can be worth looking at. With these plans, you typically self pay for care and then submit for reimbursement. For the right person, that can create more value and more flexibility.

The truth is, there is no one size fits all health plan. What works best depends on your health, your budget, your comfort level, and how you actually use healthcare.

That is why I offer options for all different comfort levels and all different levels of understanding. My goal is to help people make sense of their choices and find a plan that fits.

If you want more information, text INFO and I will send you details plus a link to set up a 15 minute discovery call.

It may be time to take a look at a more modern way to approach healthcare.

03/30/2026

Bridging the gap between health insurance and holistic healthcare… finally.

For YEARS it felt like you had to choose.

• traditional insurance OR the care you actually believe in
• coverage OR freedom
• doctors in-network OR the ones who actually help you feel better

Meanwhile…

My circle?
Bodybuilders.
Yoga people.
Chiropractors.
Physical therapists.
Small business owners.

And guess what we ALL talk about?

“How is it that the care we use the most… isn’t covered?”

That’s exactly why I started looking for something better.

Now?

• you can use your plan with providers YOU choose
• more people are accessing holistic and alternative care
• we’re not stuck in the old “referral + denial” loop
• self-pay is still an option — but now it can actually be strategic
• you get flexibility without giving up protection

It’s not perfect.
But it’s a whole lot closer to how healthcare SHOULD work.

And honestly… it’s about time.

If you’ve ever felt like your insurance doesn’t match how you actually take care of your body…

Take a look.

Or reach out to me — I’ll show you exactly how it works.

My booking link is in the comments 👇
Ask me whatever….

03/24/2026

Your healthiest employee is paying the same as your sickest one. And you are paying for all of it.
That is how group health insurance works. Everyone in the plan gets priced based on the risk of the whole group. So your 28 year old who runs marathons, never misses a workout, and has not seen a doctor in three years? Same plan. Same cost. Same coverage as someone managing a chronic condition and seeing specialists every month.
Nobody is wrong for needing care. That is not the point.
The point is that if you are a small business owner with a young, active, healthy team, you are probably overpaying for a structure that was not designed for the group you actually have.
Group plans make sense for certain businesses. But they are not the only option and for a lot of small teams they are not even close to the best one.
Private health plans price individually. Which means your healthy, low-risk employees can get coverage that actually reflects their health, their lifestyle, and how they actually use care. Not the risk of whoever else happens to be in the pool.
As a small business owner you work hard to take care of your team. You deserve to know all of your options before you sign another group contract.
Save this if you have ever looked at your group plan renewal and wondered if there was a better way.
Link in bio for a free 15-minute call. I am licensed in all 50 states friends!

03/20/2026

Most employees don’t even use their health insurance.

Not because they don’t want to
Because they can’t afford to

High premiums
High deductibles
And when they actually need care… they’re still paying out of pocket

So what’s the point?

I talk to business owners every week who think
“I offer benefits, I’m doing the right thing”

But if your team avoids the doctor, skips labs, or pays cash anyway…
that plan isn’t helping them

It’s just checking a box

And here’s the part nobody wants to say out loud
Most owners aren’t even on the same plan as their employees

So how would they know what it actually feels like to use it?

There are better ways to structure coverage now
Plans your team will actually use
Options that support preventative care, not just emergencies
Access to providers people already want to see

This isn’t about getting rid of benefits
It’s about making them work

If you’re not sure what you actually have or how it performs in real life
that’s the first place to start

Comment INFO and I’ll send you a quick breakdown to see if your plan is actually working or just sitting there.
BTW I’m licensed in all 50 states as an independent broker. I work for you not a particular insurance company.❤️

03/13/2026

Most entrepreneurs don’t realize they have more options than the Marketplace.

And sometimes they’re actually doing themselves a disservice by assuming that’s the only route.

If you’re receiving a subsidy through the Marketplace, it can lower your monthly premium, which sounds great on the surface. But what many people don’t realize is that those subsidies are based on estimated income.

If your income ends up higher than projected, you may have to pay some of that subsidy back at tax time. I’ve already seen it happen to several people.

Another thing many business owners don’t realize is that depending on the structure of your business and how your coverage is set up, some plans can potentially be treated as a business expense. Of course, that’s always something to confirm with your CPA.

The point is this.

The Marketplace is one option. It’s not the only option.

And if you’re self employed or running a small business, it’s worth understanding all the choices available to you before you lock into one path.

If you’re not sure whether your current plan is the best fit, comment REVIEW and I’m happy to take a look.

Sometimes your plan is great.
Sometimes there are better options.

But you won’t know unless you check.

03/12/2026

Just joking… but seriously 😆

You ever text someone:

What are you doing?
Where are you at?
Do you have plans?

That’s basically me when someone misses their Zoom call.

The funny part is… I make it ridiculously easy to meet with me.

It’s just a 15 minute discovery call.

I send reminders.
I send the Zoom link.
All you have to do is show up with a cup of coffee and a few questions.

In about 15 minutes we can walk through modern approaches to healthcare coverage that many people don’t even realize exist.

And honestly the most common thing I hear at the end of the call is:

“I’m so glad I reached out to you, Kim. I had no idea I could do this.”

If you’ve been curious about your options, that quick conversation can open your eyes more than you think.

Sometimes it just takes 15 minutes to learn something that could save you thousands.
Comment INFO if you would like to chat!

Address

Raleigh, NC

Website

https://calendly.com/hesskimberly

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